Want peace of mind for your Arizona home? We've researched the top home warranty providers across the Grand Canyon State to take out the guesswork so you can get peace of mind, today.
March 11, 2024
Home warranties are essential for homeowners in Arizona, offering financial protection and peace of mind amidst the state's extreme weather conditions. With Arizona's intense heat and monsoon storms in Arizona putting a strain on home systems and appliances, these services cover repair or replacement costs.
Leveraging the knowledge of experts in the field, we selected, reviewed, and ranked our picks for the best home warranty services in Arizona. We outline what to consider when choosing protection for your unique needs, from coverage to exclusions, customer ratings, and more. Explore our expert picks below.
» Find out why you should get a home warranty plan.
When we review home warranty services, we utilize a thorough evaluation process in collaboration with Sunday Odudu, an expert in insurance, renovations, and home warranties. We perform extensive research, gathering insights from academic studies, customer reviews, industry reports, and real-world testing.
By integrating analysis with in-depth research, we review home warranty in Arizona providers from multiple perspectives. We analyze user feedback to identify the strengths and weaknesses of each provider so you can make the most informed decision. We also research how long companies have been operating in the industry.
We compare each service's prices to their value and scrutinize sample contracts, paying particular attention to the fine print. We also evaluate how easy and fast it is to file a claim from a policyholder's perspective, including how quick and helpful customer service is.
Our evaluation criteria include the following:
Delivering maximum coverage at minimal costs
It's common for houses to have roofing defects in Arizona, so you benefit from Select Home Warranty's (SHW) free roof leak repairs. Valued at $99, this is conveniently available on all three plans.
Select Home Warranty's comprehensive Platinum Care is an ideal option to protect yourself against expensive repair costs for electronics. Arizona's extreme temperatures can force appliances like air conditioners and refrigerators to work relentlessly and eventually overheat.
Why we chose Select Home Warranty: SHW has coverage plans costing as low as $36/month—less than 2% of an average monthly mortgage in Arizona—making it a highly affordable option for homeowners. Its network of independent contractors also provides swift service, contacting you within 48 hours after you file a claim.
Client perspective: Andrew (56) from Tuscon said he had two claims since purchasing his warranty with Select Home Warranty. "With Select, my washing machine and AC were fixed in less than 48 hours." They quickly sent out another technician to look at his AC. "All my calls with SHW had little to no hold time, and everyone was helpful and kind."
Items Covered
Bronze Care
Gold Care
Platinum Care
AC, Cooling
—
Yes
Yes
Heating System
—
Yes
Yes
Plumbing System
—
Yes
Yes
Electrical System
—
Yes
Yes
Water Heater
—
Yes
Yes
Ductwork
—
Yes
Yes
Clothes Dryer
Yes
Yes
Yes
Clothes Washer
Yes
—
Yes
Garbage Disposal
Yes
—
Yes
Refrigerator
Yes
—
Yes
Stove/Oven
Yes
—
Yes
Microwave Oven
Yes
—
Yes
Cooktop
Yes
—
Yes
Dishwasher
Yes
—
Yes
Plumbing Stoppage
—
—
Yes
Garage Door Opener
—
—
Yes
Ceiling Fan
—
—
Yes
Pros
Cons
You can't choose your service technician
Doesn't cover preexisting conditions
Comprehensive plans for Arizona homes
American Home Shield's ShieldPlatinum plan pays up to $4,000 to repair or replace damaged appliances. It also covers major systems crucial for homeowners in the state, such as pool equipment and plumbing, including fixtures prone to leaks. This is especially important for Arizona's monsoon season, when heavy rains can damage drainage systems.
American Home Shield contacts you within an hour of a claim and usually offers next-day appointments. And with the company's workmanship guarantee, it will send a technician to correct a faulty repair for free within 30 days.
Why we chose American Home Shield: Unlike most providers, American Home Shield covers undetectable preexisting conditions in your home without requiring a prior inspection.
Client perspective: Cathy (61) from Scottsdale said her online claim process got an immediate response. "The scheduling was fast and easy, and the tech was very knowledgeable and diagnosed the problem quickly." Additionally, American Home Shield ordered the part she needed and installed it seamlessly.
Items Covered
ShieldSilver
ShieldGold
ShieldPlatinum
HVAC Systems
Yes
Yes
Yes
Electrical Systems
Yes
Yes
Yes
Plumbing Systems
Yes
Yes
Yes
Discounted Maintenance
Yes
Yes
Yes
Kitchen Appliances
—
Yes
Yes
Laundry Appliances
—
Yes
Yes
Roof Leak Repairs
—
—
Yes
Code Violations
—
—
Yes
Unlimited AC Refrigerant
—
—
Yes
Pros
50+ years of experience
High coverage limits
You can choose your contractors in some instances
Cons
Live chat isn't available
Mixed customer reviews
Skilled technicians and responsive service
Liberty Home Guard caters to unique needs with flexible home warranty options, including coverage for well pumps—an everyday necessity in many Arizona communities.
The company has excellent customer service, providing responsive and knowledgeable support for claims processing and inquiries. Liberty Home Guard doesn't require an initial home inspection. This saves you time and lets you get coverage in place quickly.
Why we chose Liberty Home Guard: It has a "No-Annual-Cap" policy, meaning it doesn't limit coverage on repair or replacement costs, and a 60-day quality guarantee on all repairs.
Client perspective: Karl (59) from Phoenix said he had an issue with garbage disposal and wasn't getting the expected service. "Liberty Guard reimbursed me for all charges and ensured the garbage disposal was handled." The service was prompt, and the company followed up numerous times.
Items Covered
Appliance Guard
Systems Guard
Total Home Guard
Clothes Washer
Yes
—
Yes
Clothes Dryer
Yes
—
Yes
Refrigerators
Yes
—
Yes
Microwave Ovens
Yes
—
Yes
Dishwashers
Yes
—
Yes
Garbage Disposal
Yes
—
Yes
Ranges/Ovens
Yes
—
Yes
Ceiling Fans
Yes
—
Yes
Garage Door
Yes
—
Yes
Air Conditioning
—
Yes
Yes
Heating
—
Yes
Yes
Ductwork
—
Yes
Yes
Plumbing
—
Yes
Yes
Electrical Systems
—
Yes
Yes
Water Heaters
—
Yes
Yes
Pros
Six months of free coverage if you pay premiums online ahead of time
You get 45 optional add-ons, higher than the industry average of 10
Access to 24/7 emergency services for financial security in a crisis
Cons
Sample contracts make it unclear which items are covered
High spa and pool coverage costs
Flexible options to cover basic needs
Home Warranty of America's (HWA) Platinum Plan covers repairs for expensive saltwater pool equipment like pumps, filters, and chlorine generators. This ensures your pool will work properly even during summer heat waves.
Home Warranty of America has a 13-month home warranty plan, which means you get an extra month of coverage after the first year.
Why we chose Home Warranty of America: With qualified Energy Star products, Home Warranty of America's Green Plus program lets you replace older appliances, like washing machines, refrigerators, and furnaces.
Client perspective: Mary (45) from Phoenix said Home Warranty of America gives her peace of mind. "I've used their service for a few things over the years (fridge, oven, water heater, and dishwasher), and they've always been wonderful." Submitting a claim is quick and easy. If they can't fix it, they replace it.
Items Covered
Gold
Platinum
Diamond
Preexisting Conditions
Yes
Yes
Yes
Unknown Insufficient Maintenance
Yes
Yes
Yes
Heating System/Furnace
Yes
Yes
Yes
Air Conditioning System/Cooler
Yes
Yes
Yes
Ductwork
Yes
Yes
Yes
Plumbing System
Yes
Yes
Yes
Stoppages/Clogs
Yes
Yes
Yes
Permanent Sump Pump
Yes
Yes
Yes
Water Heater
Yes
Yes
Yes
Instant Hot Water Dispenser
Yes
Yes
Yes
Whirlpool Bath Tub
Yes
Yes
Yes
Electrical System
Yes
Yes
Yes
Ceiling Fans and Exhaust Fans
Yes
Yes
Yes
Door Bells
Yes
Yes
Yes
Central Vacuum
Yes
Yes
Yes
Dishwasher
Yes
Yes
Yes
Microwave (Built-In)
Yes
Yes
Yes
Range/Oven/Cooktop
Yes
Yes
Yes
Trash Compactor
Yes
Yes
Yes
Garage Door Opener
Yes
Yes
Yes
Kitchen Refrigerator
—
Yes
Yes
Washer/Dryer
—
Yes
Yes
Re-Key
—
Yes
Yes
Premium Coverage
—
Yes
Yes
Code Violations and Permits
—
—
Yes
Pros
30-day money-back guarantee
Transferable warranty if you sell your home
Access to a network of qualified service technicians
Cons
Inconsistent claims approval
Mixed customer reviews
A provider with decades of industry experience
First American Home Warranty provides quality coverage for Arizona homeowners who might get termite infestations. The state sits atop a major termite belt where these pests thrive in hot, humid conditions. First American Home Warranty's real estate plans offer add-on coverage for subterranean termite treatment.
Arizona's dry climate takes a toll on HVAC systems over time. Luckily, First American Home Warranty's Essential and Premium plans cover repairs for these. And with their quick claims process, you can expect a reply from a local contractor within 30 minutes.
Why we chose First American Home Warranty: First American Home Warranty has over 35+ years of experience and has served over 590,000 customers. Its $3,500 coverage cap per appliance is competitive in the industry.
Client perspective: Grace (63) from Glendale's refrigerator stopped working. "I got online with First American Home Warranty and submitted our claim. Within a few hours, the repairman diagnosed that a replacement was necessary. The company checked back in with me quickly, and I was very impressed with the service I received."
Covered Items
Starter
Essential
Premium
Microwave Oven
Yes
Yes
Yes
Dishwasher
Yes
Yes
Yes
Electrical Systems
Yes
Yes
Yes
Heating Systems
Yes
Yes
Yes
Oven and Cooktop
Yes
Yes
Yes
Plumbing System
Yes
Yes
Yes
Refrigerator
Yes
Yes
Yes
Air Conditioner
—
Yes
Yes
Clothes Washer
—
Yes
Yes
Garage Door Opener
—
Yes
Yes
Water Heater
—
Yes
Yes
Additional Coverage
—
—
Yes
Faucets
—
—
Yes
Garage Door System
—
—
Yes
Garbage Disposal
—
—
Yes
Instant Hot Water
—
—
Yes
Luxury Appliances
—
—
Yes
Pros
Covers up to $3,500 per appliance
Upgrades include installation oversight, code compliance, and disposal assistance
No limit on the number of service requests
Cons
Premium Plan is expensive
No systems-only plan available
Best Home Warranty Providers in Arizona
Select Home Warranty
American Home Shield
Liberty Home Guard
Home Warranty of America
First American Home Warranty
Best for
Affordable premiums and fees
Customizable warranty plans
Reliability and quick claims process
Comprehensive appliance coverage
High payout caps
Average annual premium
$432–$765
$239.88–$1,079.88
$600–$750
$553–$720
$564-$1,044
Contractors
10,000 in-network
17,000 vetted contractors
10,000 in-network
N/A
N/A
Service call fee
$60–$75
$75-$125
$65-$125
$75-$100
$75-$125
Service requests
24/7 online and by phone
24/7 online and by phone
24/7 online and by phone
24/7 online, by phone during regular business hours
24/7 online and by phone
Unexpected home repairs can strain your budget. With Arizona's high cost of living, particularly in Phoenix, Tucson, and other urban areas, these unexpected costs can be especially tough to manage.
Home warranties help you manage expenses and maintain your properties without sudden out-of-pocket costs by offsetting repair and maintenance costs. Rather than paying for a $500 AC repair, a home warranty provider covers the bill for a small service fee.
Arizona has a government department that oversees home warranties. Companies must be licensed and meet specific standards around financial stability and ethical business practices. This helps ensure that:
Arizona offers ways to file complaints if you have issues with your warranty provider. These can be submitted through the Department of Insurance website or the Attorney General's Office.
Since coverage varies between providers, it’s essential to thoroughly review options before signing up.
When buying a home warranty in Arizona, consider the extent of the company's coverage. This means examining what appliances and systems are protected—like your air conditioner, plumbing, or refrigerator—and understanding any exclusions.
For instance, if your pool or spa isn't covered by the standard plan, you might need to pay extra for additional coverage. This is why it's essential to know what items aren't covered by home warranty providers.
Service response time is another crucial factor. Evaluate how quickly the company commits to addressing claims. Ideally, repairs should be completed within 24 to 48 hours to get your cooling system up and running again if it's the middle of summer.
Warranty plans typically require a monthly payment plus a service fee every time a technician visits. For example, a plan might cost $50 monthly with a $75 fee per service call, which could affect your overall budget.
Review the finer details around service fees. Many plans charge per-dispatch or overtime fees for evenings and weekends that quickly multiply, so anticipate and budget for these non-premium costs.
Look into additional coverage or perks that could make a plan more valuable. Some of the best home warranties for HVAC systems offer unique benefits like free checks or discounted repair services for items not covered under the warranty. These extras enhance the plan's worth.
Ensure the agreement clearly outlines coverage limits, how to file a successful home warranty claim, and the process to renew your contract. A transparent contract should detail everything from what constitutes a covered breakdown to how disputes are resolved.
When selecting a home warranty in Arizona, check reviews from other local homeowners. Sites like Trustpilot and the Better Business Bureau can provide insight into companies' reputations and services.
Arizona's unique climate demands a tailored approach to home warranties. Focus on plans that cover systems and appliances prone to wear from extreme temperatures, such as air conditioning units. This specificity ensures your warranty is a true safety net, offering peace of mind amidst the desert's challenges.
While home warranties are optional, they can provide helpful protection for Arizona homeowners. You have several excellent options when choosing a home warranty provider for your house, such as Select Home Warranty and American Home Shield.
Along with purchasing a home warranty plan, it's wise to develop basic home maintenance skills. Mastering simple preventative care and knowing who to call for more significant issues will ensure you and your family can enjoy your home for years to come.
» Look out for these 10 red flags when buying a home.
Can I choose my own repair technicians with a home warranty plan in Arizona?
Most home warranty companies have a network of pre-approved contractors and technicians. Typically, you can't choose your repair technician; the company dispatches someone from their network to handle your repairs. However, some plans have flexibility with this under certain conditions.
What happens if an appliance or system cannot be repaired under a home warranty?
If a covered appliance or system can't be repaired, the home warranty company will typically replace it or provide a cash settlement for the item's depreciated value. Your contract should specify the replacement and settlement process, such as any dollar limits on replacements or conditions impacting the resolution.
Can I cancel a home warranty plan, and are there any penalties?
Yes, you can cancel a home warranty plan. Most companies allow for cancellation within a specific period for a full refund if you haven't filed a claim. If you cancel after this period, you might receive a prorated refund and could be subject to a cancellation fee. The exact terms should be in your contract.
What are common home warranty claims in Arizona?
HVAC systems, refrigerators, and pool equipment often wear out from constant use in hot summers. The area's hard water causes sediment build-up in plumbing and water heaters. Electrical systems and appliances are also at risk from power surges during monsoon season.
Sunday Odudu, a top 10 writer and an expert in home warranties, has over a decade of experience in sales and public administration. As a seasoned insurance producer and former lead renovation specialist, he has collaborated with start-ups, global corporations, and governmental bodies.
